i just checked with someone from takaful malaysia
they do not have such insurance for live stocks like cows
overall capital insurance yes, but you still need verify what exactly is insured for

@getsmart

The 'buy back' is an OPTION given by the company, if u can't trust that statement, good. Then at the expiry of the Agreement, you CAN get your own transport, bring out the cow and sell it at the market (why the fuss??).
It's totally NOT a matter of being 'so rich' that need your investment even NOT about lending your money to them. It's about BUSINESS!!!
There r a 3 simple(no need to crack your head thinking) scenario here:

1. Developers nowadays put up BIG sign boards saying "Guaranteed Rental Returns", THINK---WHY don't they build just for collecting the "Guaranteed Rentals" rather than selling it all out??!!(so much hassle..)

2. Whatever product right from manufacturers, how many hurdles it takes to reach consumers? Why have to go through "Sole Distributor", "Regional Distributor", "Distributor", "Dealer", "Retailer" then only consumers? We all knows for every hurdle there will always be a profit margin and WHY don't the manufacturers sell DIRECT to consumers without having to go through all the hurdles so that they can MAKE MORE MONEY and make their 'investors' richer??!! I think we should buy direct from Proton/Merc factory to see the price different!

3. Why r there agents everywhere wanting to supply foreign workers? Why can't/don't the manufacturer recruit direct from the relevant countries? Why do they want to "out-source" the HR job since there's a HR Dept. in every/most manufacturers? Come to think of it, WHY does these agents 'exist', in the first place? What is HR doing?

THESE ARE ALL ABOUT BUSINESS!! You give some, you win some. (not lose some--don't like to lose--negative impact)
Don't build your own '4th World' under the coconut shell.

I personally like this sentence very much:

Quote aeronic ---[Never argue with an idiot, he'll just drag you down to his level and beat you with experience]---

This is quite similar to the olden days insurance agents saying "Tu suma bole clam" but their words don't match the truth. Now, they r more careful with what they say or do. Sometimes we do runs into someone who promise the sky and Heaven but if you r really interested to make some money, it's better to do some research and find the facts rather than the fault.

It's like in the chinese proverb: "Dig a bone from the egg".

It's not ONLY this company can let you earn some money while you r working or doing something else or let loose yourself by 'out-sourcing' your 'agro-farming business' which I believe there r lots of other companies that can make money for u too like investing into (quote getsmart) Big listed companies has been making money year after year even in bad economy.
Maybe *getsmart* can show us a more 'GUARANTEED' way of making money, right? Or u still wanna 'dig' here?

p.s. Let's see who's the consultant and who's the idiot.. oops....no pun intended. I sometimes turn into an idiot that I don't realise...
We should live life with addition of happiness, why additional sadness?? Sometimes being a 'kay-poh' is not so bad.

lol. Mate your comment is good. How bout Amanah Saham Gurantee return plus government bond. Plus 5% interest pa. The best investment in this recession.

Wow after reading all of the above I am 100% sold on this cattle farming thingy. I am convinced it is the only way to make money in this sucky economic climate. Screw banks, KLSE, UTs, etc. Cows are the way to go.

Curious how this thread is full of posts from newly registered user(s) defending "Prestige Dairy Farm".

@firdaus
Your arguments are quite fair and reasonable ... you're welcome to 'kay-poh'.

If you want GUARANTEE returns like Tsukasa say Amanah saham and bonds (Sukuk) are guaranteed by government. Not forgetting SSPN if you have kids.

But that's not the GUARANTEE i'm asking from PDF. The GUARANTEE i'm asking is that i know how the company is handling it's finance. By law, SDN BHD says it's none of your business. So how can you know the facts?

Can they GUARANTEE that investors will know:
- how many cows were bought
- how many investors (you can audit the number of cows, but how to audit the number of investors?)
- how many litres of milk produced and sold for how much
- how much the cost of rearing the cows.
- PDF is lossing money or gaining money
- ALL the FACTS above verified by reputable 3rd party auditors.

This is not 'dig a bone from the egg'. Just happen too often. Company like Swishcash paying earlier investor with money from later investors.... a 'money game' call-it-want-you-like (business/investment/scam). The fact is many investor money is burned and you can still can this BUSINESS. Here's a saying "Malaysians are so gullible (senang kena tipu)". Therefore need external auditors ... we are too busy to check on them ourselves.

Lastly, let me emphasis this proven profitable history.

This post has been edited by getsmart: Jun 4 2009, 10:43 AM

Seems like *getsmart haven't attended the presentation before, don't know how it's done and you seems to be like jumping into the conclusion that this is a scam program but u also seems very interested in this program. Good! At least I can share with u & all other newly registered 'kay-poh'(s) that're here , maybe just like me, right?exia5733 --titled 'newbie'?

Company like Swisscash, as every single people out there knows - MONEY GAME. Many Malaysians are looking forward for an easy solution to their materialistic & financial greed. Now, WHO doesn't want a luxury life? It's just that the media is keen in showing glamorous, luxury life of our upper society and as u & me knows, educations in school doesn't teach us to be a problem solver whereby all of us r left on the street/wild wondering about, looking for our financial support - some goes to the govt. Only some or a very small portion are quite creative enough to put on their thinking cap to create something out of nothing. Some r good but unfortunately from what we've experienced, MOST r bad/failure.

A very recent example: LINTAH/LEECH. At first, it's everybody's topic and all the excitements about the money that's gonna come but what happen now? Seems like it's a nobody's topic. I have a friend who were into this leech program, now he's got leeches as old as short ruler and he knows nobody else except the organiser that he started with. The organiser doesn't want to buy back because it's already too old but it's the organiser themselves that puts him on hold for buying back until now.
Yes, the profit is there but the problem is leech is not a common merchandise & need someone who really have the oversea contacts to really make a profit unless u know where to export to. So, can my friend shout out loud that it's a scam?? After listening to his story I could yell like u - IT'S A SCAM, BUT some r making some money that we can't deny...

Now, we all knows milk is a very much needed daily product and a very fast moving merchandise as well but there's no chance for everybody to dwell into it unless u have a piece of land for it's grassing purpose and the expertise in taking care of it. We've seen in the kampongs that cows r wandering & lazying by the roadside and even sleep in the middle of the road at night to get the warm heat from the road. PLEASE don't be mistaken that those cows r meant for their meat, not milk.

For goodness sake, my advise is: Please don't go into any jv business if u r not sure or don't understand the product u r going into. Will u be too busy to understand what kind of business u r going into by simply just dump in the money and at the end of the day, if the profit doesn't come, u'll b pointing 1 finger to the person that gets u in trouble and 4 fingers pointing to yourself that u r so gullible? If so happens that the business brings in the profit, then u'll be pointing both ur thumbs up and 8 fingers to yourself meaning how smart you r? Lots of Malaysians r really GOOD at pointing fingers - the first type. ..err....did I went off track too far??

Back to the questions:
Q- how many cows were bought
A: who says auditors cannot check SDN BHD account book? In fact, their account have to be submitted for auditing every year. Anyway, business partners need to know HOW MANY cows that they BUY or want to buy. Really wants to know? then go down to the farm to get the figure. It's there.

Q- how many investors (you can audit the number of cows, but how to audit the number of investors?)
A: yes, cows can b counted and the tag at the cow's ear will tell who owns it.

Q- how many litres of milk produced and sold for how much
A: the company is using the latest technology of milking and all have it's own meter record for each cow, each time and RM2.00 per litre as stated in the agreement. Cow owners can log into the company's website to get the daily litres produced.

Q- how much the cost of rearing the cows.
A: (this is an interesting one) PLEASE go to: http://www.dailyexpress.com.my/news.cfm?NewsID=46790, if you can't get to it, then go to www.dailyexpress.com.my & search for 'dairy farmers want fresh milk price hike'. In the 3rd paragraph the explanations about the food + concentrates alone & if you don't get the right picture, here is the calculations according to the old price(2007). Please hold on to a calculator & use it:
50kgs of grass x RM0.05 = RM2.50....&.....8kgs of concentrates x RM1.15 = RM9.20......Total= RM11.70 per day x 30days = RM351 per month x 12 months = RM4,212 x 8 years contract = RM33,696. And this does not include the wages, electricity, water, fuel, transport and other operational. So for the conclusion of this, instead of the company should be asking for the food + concentrates RM33,696 ++ others, they r only asking for [U]RM26,+++.00 INCLUDING the cow + AP + flight freight cost + MAS Animal Hotel Cost + vet spacialist to inspect for any disease + transportation to farm!!

Q- PDF is lossing money or gaining money
A: the company started contract farming since Sept. 2008, is not making much per cow but in quantity, the company is looking quite good...(get what i mean?)

PLEASE!!! If you are not business minded, don't go into it blindly without knowing. Just dump your money into (Tsukasa's idea) Amanah Saham Gurantee plus 5% interest yearly (it'll probably take 20 years to add up to 100%).

If you are business minded, then you will probably knows what I meant.

Happy 'kay-poh'ing

oops..left out the word 'Hotel'

This post has been edited by firdauswong: Jun 6 2009, 10:19 PM

@firdaus
You guess correctly, I haven't been to any of their seminars.

I'm not jumping to conclusion that it's a scam. My conclusion is that it's not that easy to make money even by milking cow. Why would i think malaysia can be good at producing milk? Palm oil maybe lar. Like that Country Heights Grower Scheme, selling plots of land... there's a thread here http://forum.lowyat.net/topic/545351. But even if looks good, like you say "don't go into it blindly without knowing".

Most Malaysian will know the name "Dutch Lady" http://finance.yahoo.com/q?s=3026.KL . Now, IF i really believe in milk business, that's a company i will gladly invest my money with.

This post has been edited by getsmart: Jun 9 2009, 09:44 AM

Erm... sorry to flame again. But I do think this investment is something like ponzi scheme. Anyone here hear of Mardoff case. He is also a very reputable successful businessman from outside. But he used his money from the investor to invest in suppose to invest investment in share market or company that is profitable and gurantee return of 20% p.a . But end up its a big scam in the world as he does not invest in any investment at all and just put his money in the bank and keep on growing and pay ppl with the money he get from his new investor when the old investor redeem their money. You should read more first.


If you say this is a good investment. Do tell me who is your gurantor and show me your offer and acceptance letter. Will get my lawyer to read it. And whats the proof you got the cow. If you rare in malaysia.. Show us the cow and tag. And also picture of it. And proof that the cow is purchase on behalf and etc. If so, can we even bring the cow home to our house ?

Can you please go to the office to know more info in black & white so that they can show it to you cos i don't have it here to show you. Go get yourself a fair clarification coz they need to present to you face to face and show you the FACTS and gives them the FAIR trial of yours.(if you have the guts & balls to go find out the truth..) If not, then you'll just accusing whatever you want from your puny little brain juice. Btw don't play ignorance, please go to their website: www.prestigedairyfarm.com and i know just going through the site won't SATISFY what you want, so please go to their office and ask to see the manager Puan Dalina(if i'm not mistaken). She should be able to see you after 3pm and OH! please bring your LAWYER to read the agreement first before you sign anything in case you really think this company with their own building will wants to CHEAT on your $$$. Their office address is on the site and tell her that i recommended.

Still not satisfied, still can't believe what they said and show!? N point just sit and whining like a stupid baby,YOU want the proof right? Then PLEASE visit the said farm in Kluang, Johor, to see for yourself with your very own eyes on your head, the existing COWS and after that, i bet 100% you'll still be complaining and asking for the prime minister(if possible) to give you the guarantee that what you see there is true. i think better ask the eyes specialist to tell and confirm to you that your eye balls are real also lah, blah...blah...blah...

There's no problem at all if you want to bring the cow back to your house even into your bedroom, provided you've paid the full sum lah...
But even after soooooooo muccchhhhh trouble, i still doubt very much about YOUR SINCERITY & AFFORDABILITY in going into this business. So why the heck bother?? Lots of people who can't afford and like to condemn(attitude)

Anyway there're lots of busybody, negative and kay-poh people out there that think they r soooo IN-TELL-IGENT to tell anything and that's why Malaysia economy should thank these kind of people for spreading their insincere and irresponsible thought, just like to point fingers without knowing the facts. Somewhat like those who oppose to teaching english maths and science, who are sooo selfish & stupid who can't accept anything new in their life or even change to a better life.

Don't force yourself...

Happy 'kay-poh'-ing

as getsmart said the basic of investing is to know what u invest to.
this cow things do not have any kind of prospectus, even their agent do not know anything about it.
if you see the website, the investor buy per cow, but from the FAQ, there is no insurance cover and if it is dead, you definitely burn your money. do you see here? here the risk is very high for individual investor who bought less cow.
that is why prospectus kind of document needed so that we know what the relation between PDF and RM livestock, company structure, who is the manager, the risk, the income, future plan and all sort of stuff.

PDF failed the basic of investing, u need to know what u invest to, as simple as that.
even if PDF will be world no 1, i wont invest since it's failed to provide info to investor which is the basic stuff.
u end up like maddoff if u do not know anything about it.

This post has been edited by mmusang: Jun 21 2009, 05:35 PM

Firstly, I have been to this Prestige Dairy Farm Sdn Bhd and was presented with their investment model. I did asked a lot of questions regarding the investment computation since I do have some knowledge in Finance as I am in banking sector for more than 16 years before lecturing. They were unable to answer my questions... They were

1. They mentioned about 30% return but when asked what happen with the principal amount you invest, can we get back our initial investment? Unable to reply convincingly.....
2. They use the name Dr Rosli Mailan which have a milk cows farm and frankly when I called him, he just said they (prestige) only use part of his farm and he manage the cow if any. He does not have any investment interest or any interest in Prestige Dairy Farm.
3. Do they(Prestige Dairy Farm) know that it is against the law to take deposit from anybody without consent from the Authorities (Bank Negara Malaysia). You are free to call Bank Negara Help Desk.
4. There are too many escape clause that says they are not reliable for any loss.
5. Finally, you buy a cow for RM30,000 and when the cow yeild a calf, they sold your calf for RM200. What kind of stupid person do you think we are. Then they can sell the calf again for RM30,000 to another person. Not bad for a con, right.

If you want to know a real dairy farm you can go and visit to First Dairy Farm Sdn Bhd in Bandar Muazam Shah, Pahang. They presently had 900 cows for milk specially imported from Australia, Jersey breed. Each of this cow cost them about RM9,600 including air flight transportation from Australia to KLIA.

Pleaseeeeee be careful of all this kind of scammmmmm. Check and recheck........ before invest.

better don't invest bro, thats all i can advise

firdauswong-ru working there? if yes, how can i get back my RM10k back? Your company is a devill in disguise. After 7 months I still see nothing of the contract

Anyone in the same situation? Pls help, not sure if making a report to the police will do much help

good luck! bro.

saya juga menerima panggilan dari PDF & sememangnya kalau hari tak bekerja Google perkara baru
macam dah terbiasa, sampai la ke forum ini .. apapun saya akan tetap ke "appointment"
yang sudah dijanjikan dengan PDF ,

buat Firdaus relaks bro. lagu salesman ...

NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO, YES! ,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,YES! , YES!, NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO, YES! ,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO, NO,NO..

buat sesiapa yang minat dengan investment - 3.5 years = Capital Protected Fund ( returned potential up to 122.75% )
Bank Negara - approved + Syariah Compliant ...

I do agree with Dr.MHW I,m not in banking or education. However I've been involved in tracing scams since I had been a student of prof Nolte.

The evidence points to a huge and somewhat sloppy scam.
Dr MHW. rightly pointed out :



1. They mentioned about 30% return but when asked what happen with the principal amount you invest, can we get back our initial investment? Unable to reply convincingly.....
2. They use the name Dr Rosli Mailan which have a milk cows farm and frankly when I called him, he just said they (prestige) only use part of his farm and he manage the cow if any. He does not have any investment interest or any interest in Prestige Dairy Farm.
3. Do they(Prestige Dairy Farm) know that it is against the law to take deposit from anybody without consent from the Authorities (Bank Negara Malaysia). You are free to call Bank Negara Help Desk.
4. There are too many escape clause that says they are not reliable for any loss.
5. Finally, you buy a cow for RM30,000 and when the cow yeild a calf, they sold your calf for RM200. What kind of stupid person do you think we are. Then they can sell the calf again for RM30,000 to another person. Not bad for a con, right.
If you want to know a real dairy farm you can go and visit to First Dairy Farm Sdn Bhd in Bandar Muazam Shah, Pahang. They presently had 900 cows for milk specially imported from Australia, Jersey breed. Each of this cow cost them about RM9,600 including air flight transportation from Australia to KLIA.


ROI is quite high without showing evidence.There is no cooling off period , no prospectus- thi so glaringly pointed to a scam as there will be no evidence to show what they had promised. hearsay as they call it in the courts. no binding evidence to be had. The manager Kamal a.ka./@ Firdaus wong...... oh yes i deduce that by comparing your presentation and the inflections and choice of words. And i had attended your 45 minutes briefing. and tq fo the glass of water. How is it you offered the steer at different prices to diferent ppl.

A JV model like the one implemented by nestle (produce) in kelantan and terengganu lets the partner in on the operation and stated in black and white whats the risk. Not just hearsay

Kamal/Firdauswong (he wears a gold double happiness/fortune pendant) pointed out that your cow will be replaced if it somehow prematurely dies. However in the PDF webpage the onus is on the investor to insure the steer.
Firdaus/kamal didn't you say that investors can come and visit their steers TWICE only not at their whim and fancy.

oh well enough talk go to topix brunei forum. see who was burned by pdf . Oh yes this is not mlm or get richscheme. This is more of a scam and a variation of a confidence scam. What else do you categorise it . Give me your money and shut up no questions can be asked.

hmmm.....

Rasa2 mcm saya pun dah terkena nih... kalau org lain dihubungi oleh pihak pdf, kami plak tak sengaja termasuk dlm kempen dorang di kluang mall semalam 9/8/09

apa nak kata, hubby termakan janji2 manis. sebelum ni, saya memang tak percaya pd sebarang tawaran yg mintak2 duit kita ni as deposit ke apa benda. hubby pun marah kalau ada org senang2 tertipu bg duit kat orang.

tapi dorang punya projek memang nampak meyakinkan. kalau saya, saya dari mula lagi tak moh dengar whatever dorang cerita pun. tapi, hubby saja2 nak buang masa dia, dok la layan dorang ni punya story. saya cuak juga sebab tawarannya sgt2 manis. saya tanya takkan semua manis, takkan takde risiko apa2? malah saya ajak hubby p tgk ladang yg dorang cakap sebab tak jauh. dlm setengah jam sj. menurut manager tu. dia boleh bawak kitaorang p tgk ladang tu. kalau anda, anda percaya tak?

tapi hubby takmoh. mungkin terpengaruh or terlalu percaya pd dorang. kebetulan masa tu jugalah ada call dr someone nak dtg umah half n our lagi, so, terpaksa tolak tawaran manager tu yg nak bawa kitaorg p tgk ladang.

mcmana pun saya nak citer kat sini, duit dah dump 2k, n perjanjian pun dah sign. saya tak tau nak ckp apa bila baca tentang pdf tu kat sini. pd saya, kalau nak labur kat mana pun, siasatla dulu. skrg internet ada banyak maklumat. tapi hubby tak sabar. i don no la... duit dia kan... smlm plak sunday. kat umah kami yg kat kluang tu takde internet. so terpaksa tunggu hari ni monday utk carik maklumat. sayangnya duit dah dum dulu. skrg ni, saya tengah fikir camana nak amek balik perjanjian tu. nak koyak. duit tu tak tahulah... manager tu kata selasa or rabu ni dorang baru nak buat stamping. n tomorrow (selasa) hubby janji ngan dia nak p ofice dorang utk hantar slip2 gaji n doc lain yg dorang mintak.

tapi, lepas saya cerita apa yg saya baca kat sini, baru hubby percaya n dia suruh stop. sebab kalau tak, esok (selasa) dia suruh saya bank in baki duit 30% tu about 7k lagi.

saya tgk dekat resit tu, duit 2k tu bukan sbg deposit, (munkin dorang tahu undang2 deposit ni) tapi lebih pd sebahagian duit ansuran bla bla bla

boleh mintak nasihat sikit...?

That is a RM30,000 cow. Crazy is it? and Agriculture is never guaranteed. It fluctuates even worse than anything else. Agriculture is very much a supply and demand game. As more milk is produced, the price falls. Imagine that this Prestige Dairy Farm did manage to make a remarkable profit in its first year.

wouldnt you want to replicate it? So imagine some rich guy decides, hey, I'll buy 100 cows at RM9,000 which is about less than a million. Spends another million for the logistics and maintance ... and voila... the market is flooded with 25% more milk than before diluting they value of milk from your RM30,000 cow. Unless you want to say, you can sell the milk at a higher price because the cow is more expensive?

Anyway, just so that we understand the market.. New Zealand is the largest Dairy product exporter in the world. They are not the biggest producer but they are the biggest exporter. In fact, they export around 95% of all the milk they produce. In New Zealand, the have about 5.6 Million cow, almost all managed and partly owned by a single company (a co-operative). Compare that amount with 400 cows...

Do you really believe that PDF is able to guarantee its profits? The underlying product PDF is trying to see you is that you can get the profits from selling Milk to a guaranteed buyer which is Jabatan Tenusu Malaysia.
What if we change government in 4 years? Do you think the agreement is going to stand scrutiny ka? I doubt there is any such agreements anyway. Plus, I searched for Jabatan Tenusu where got .. Unit Tenusu in the Department of Veterinar .. ado le..

http://ppit-kelantan.blogspot.com/2008/09/...kan-tenusu.html read this on starting ur own dairy farm. To buy the cow from government agency or something like that is only RM1,100 .. gila ka?

ala...

konon2 yg lembu sampai 30k tu siap dgn kos ternak dia la, makanan dia bla2 utk selama 8 tahun. dia kira kos makanan apa semua utk sehari lepas kali dgn 8 tahun punya hari... tu yg dtg sampai 30k tu...

dan sekarang selepas saya baca byk tentang pdf ni, saya buat kesimpulan yg mereka ni kutip2 duit banyak2 dr org ramai utk mulakan perniagaan tu lah. depa beli lembu dari luar negara, (itupun kalau betullah dorang beli), pastu join dgn pengusaha ladang alifah yg kat kluang tu utk usahakan lembu2 yg dah dibeli tu menggunakan modal yg dikutip dr org ramai. masalahnya, mereka punya cerita tu seolah2 ladang alifah tu mcm dorang yg punya. perusahaan tu pun mcm dorang yg punya, segala gambar2 yg ditunjuk tu semua org lain punya. tulah yg terserlah dari apa yg saya dapat dari info2 kat internet ni.... Wallahua'lam...

tu pasal la, saya memang tak suka dgr org meniaga jual minyak ni. takut terpengaruh...

itula masalah nye, diorang pikir nak duit je, bukan nye ambik berat pasal investment kite, dan tak jujur pulak tuh.
smua orang tak sanggup bagi duit pada orang tak jujur.

really can't do anything? can anyone suggest lawsuit or something? how much can a lawyer cost? willing to pay if can get back partially of my 10k

This post has been edited by kei18kun: Aug 11 2009, 05:49 PM